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Meet CAP COM's Mortgage Team!

Please accept a warm welcome on behalf of our team at Homeowners Advantage, the mortgage subsidiary of CAP COM FCU. You may want to take a few minutes to get to know some of them below. While we live and breathe mortgages, you’ll learn we are just as passionate about our families and hobbies.

We look forward to helping you find the mortgage that best suits your individual needs and a great rate to go along with it!

Chris has been active in the financial service and mortgage industry since 1990. In his current position as Chief Lending Officer for Homeowners Advantage, Chris is responsible for all aspects of the mortgage banking operations, as well as the expansion of Homeowners Advantage's strategic partners and statewide referral sources. With a comprehensive understanding of the mortgage industry, Chris believes in an educational, step-by-step approach to the mortgage process that makes it easier for all homebuyers, whether they are buying for the first time or the fifth.

Ginny VanAmburgh, VP of Lending OperationsNMLS# 54538

A Capital Region resident her whole life, Ginny has been in the mortgage industry for more than 25 years and has a wealth of experience to share with her team. She has helped guide our mortgage division to become one of the most successful in the region and is often called upon as a workshop panelist. Sharing her knowledge with homebuyers and mortgage professionals is most rewarding for her.

A resident of the Capital District for most of his life, Arthur has enjoyed sailing on the Great Sacandaga Lake since he was 12. With a passion for providing quality service, he will help you chart a course toward successful home ownership. Arthur has more than 25 years of experience in loss mitigation and he looks forward to helping families come up with practical solutions that make sense and are easy to understand.

Chrystal Muir, Manager of Lending Operations

With more than 33 years of experience in the mortgage industry, it's possible Chrystal may have already helped you close on a loan. A Schenectady native, she loves everything about her job and couldn't imagine doing anything else. When she's not spending time with her family, she's making it as easy as possible for your family to buy a home.

Josh Hebert, Manager of Mortgage OriginationsNMLS# 54511

Josh has been in the mortgage business for more than 13 years, eight of them at Homeowners Advantage. He's lived in this area of upstate NY all his life and enjoys vacationing, spending time with his family and going to concerts. The best part of his job is helping people achieve their dream of homeownership.

Bilal Kimble Mortgage SpecialistNMLS# 561641

Brian Marchand Senior Mortgage SpecialistNMLS# 481563

Chris Canavan Senior Mortgage SpecialistNMLS# 75086

Eric Cruz Senior Mortgage SpecialistNMLS# 39075

Jason Tedford Senior Mortgage SpecialistNMLS# 18356

Jessica Brate Senior Mortgage SpecialistNMLS# 56711

Jim Cardinal Senior Mortgage SpecialistNMLS# 31973

Nick Lemme Senior Mortgage SpecialistNMLS# 481562

Phil Parisi Senior Mortgage SpecialistNMLS# 66446

Rick Murphy Senior Mortgage SpecialistNMLS# 481564

Rob Snyder Senior Mortgage SpecialistNMLS# 58317

Bilal Kimble - Mortgage specialist

Bilal Kimble, Mortgage specialist

Prioritizing family and educational growth, Bilal's goal is to make sure you have all the information you need to make the best decision when you buy the house your family will call home. An avid runner, Bilal grew up in Schenectady and he is ready to help you take the next step toward home ownership.

Brian Marchand - Senior Mortgage Specialist

Brian Marchand, Senior Mortgage Specialist

Ask Brian about the competitive rates and programs Homeowners Advantage has to offer when you are getting ready to buy a home – it's his favorite thing to talk to members about! When he's not helping you with your mortgage, you'll find him camping or watching his kids sporting events.

Chris Canavan - Senior Mortgage Specialist

Chris Canavan, Senior Mortgage Specialist

Helping you fulfill you dream of homeownership is what Chris does best. He enjoys the challenge of matching a borrower with the product that fits their life, and maybe even saves them a little bit of money each month. He's looking forward to helping walk you through the homebuying process. When he is not working on projects around the house, he enjoys being outside, golfing and bowling.

Eric Cruz - Senior Mortgage Specialist

Eric Cruz, Senior Mortgage Specialist

Eric has a wealth of knowledge from more than 14 years in the mortgage business. During his time at Homeowners Advantage he has worked closely with many buyers and truly enjoys helping people. The satisfaction he gets from helping people extends to his charity work in the Capital Region. Eric is a self-proclaimed foodie and, in his spare time, loves to cook and try new craft beers.

Jason Tedford - Senior Mortgage Specialist

Jason Tedford, Senior Mortgage Specialist

A resident of Rotterdam his entire life, Jason is passionate about his family, the Yankees and helping you achieve your dream of homeownership. With more than 17 years in the mortgage industry, he enjoys being able to make a positive impact on your financial well-being. A huge baseball fan, Jason also enjoys summertime barbecues, kayaking and spending time with family and friends.

Jessica Brate - Senior Mortgage Specialist

Jessica Brate, Senior Mortgage Specialist

With more than 16 years of mortgage experience Jessica's knowledge of government and conventional loans allows her to match buyers with the mortgage that best suits their needs. She believes buying a home is not a time for surprises so she ensures that her buyers are armed with knowledge, not just a pre-approval letter.

Jim Cardinal - Senior Mortgage Specialist

Jim Cardinal, Senior Mortgage Specialist

Jim has more than 20 years of mortgage expertise and, while a lot has changed over the past two decades, his systematic approach continues to foster a smooth homebuying process for his clients. He'll take the time to discuss your short and long-term financial goals in order to help you choose the appropriate mortgage. Jim's other passion is coaching youth football and lacrosse.

Nick Lemme - Senior Mortgage Specialist

Nick Lemme, Senior Mortgage Specialist

Nick has served the Capital Region as a mortgage professional for more than 15 years. He believes it's important to listen carefully to a homebuyer's needs – whether it's their first or tenth home purchase. Providing you with all financing options, he can help ensure you have the information you need to choose the best loan.

Phil Parisi - Senior Mortgage Specialist

Phil Parisi, Senior Mortgage Specialist

Phil is not only an experienced mortgage lending professional with more than 15 years of experience, he also owns a fair amount of real estate. He understands the satisfaction that comes from owning your own home and enjoys helping others make their dreams a reality. Phil spends a lot of his free time coaching his children in various sports.

Rick Murphy - Senior Mortgage Specialist

Rick Murphy, Senior Mortgage Specialist

A resident of Saratoga County, Rick works with many builders in the area to help buyers get new construction loans. His goal is to always keep buyers and realtors informed throughout the entire process so there are no surprises. With more than 15 years of experience in the mortgage industry, he also specializes in helping people who are moving to the Albany area from other countries. His hobbies are fishing and boating in the Adirondacks.

Rob Snyder - Senior Mortgage Specialist

Rob Snyder, Senior Mortgage Specialist

Snowmobiling and boating are some of Rob’s favorite ways to enjoy his time away from work. His experience in the mortgage industry spans more than 14 years in the Capital Region. His favorite part of the job is being there every step of the way for first-time homebuyers as they make this important decision.